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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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Motormile Finance UK RE:Mr Lender payday loan.


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Hi Brigdier, Yep 100% need to send them a letter as giving stressed out. Is their a letter on site ?

 

cheers

Hi RO,

 

I will draft the LBA for you after a nice hot strong black coffee, this one will stay on the thread!!:-D

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok,

 

Private & Confidential

Mr. Robert Sands

Director of Compliance

MMF Ltd

 

Ref: use theirs

 

Take Note This is a Time Limited Communication:

Letter Before Action:

 

Dear Mr Sands,her

 

I am writing to give Motor Mile Finance Ltd., FORMAL NOTICE that unless the company ceases to contact me other than in writing by Royal Mail I WILL issue proceedings for harassment and misuse of telephone, e=mail and sms text messaging.

 

The number and frequency of these call e-mails and text messages has reached a level that is causing me extreme distress and is disrupting my daily life to a very distressing level.

 

I now list below the action MMF Ltd MUST take within 14 days from the date hereon to avoid court papers being issued.

 

1. All communication other than by Royal Mail must immediately cease.

2.MMF Ltd MUST confirm to me in writing that its. accepts the following facts relating to the alleged debt.

 

(a) The amount claimed £ xxx.xx is incorrect because MMF Ltd is refusing to acknowledge that payments have been made to the original creditor have reduced the alleged balance to £xxx.xx.

(b) MMF Ltd MUST accept payment at the same level as agreed with the original creditor.

 

For clarification and the avoidance of misunderstanding:

 

This alleged debt is disputed and the correct balance must be accepted.

Unless MMF Ltd Complies with the conditions set about above a County Court Claim WILL be issued without further notice and a claim for damages will be made for the distress, anxiety and disruption to my daily life will of course be for a considerably larger sum than the alleged outstanding debt and will involve MMF Ltd in further costs.

 

I have retained all the communications from MMF Ltd which will be produced in court and will also form the basis of a complaint to the Financial Ombudsman Service and the FCA regarding the fitness of MMF Ltd to hold a consumer credit licence.

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Send by recorded delivery and check date signed for, don't use PO box Number.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Will do the letter today, this is the reply from MMF today

 

Dear Mr

 

We have spoken to Mr lender and they have confirmed that you broke the payment arrangement and the balance of £623.56 is correct, these include the payment you made towards the account.

We can offer you a settlement of £500 to close down the account.

The collection activity will continue as we are satisfied that this is the correct balance from Mr Lender.

If you wish to set up a payment plan with us please give an option below and fill out the fields.

 

Four monthly instalments: £155.89, Six monthly instalments £103.92

 

Please advise of your preferred option and forward your card details as follows:

 

*Name on Card

*Long card number

*Valid from date

*Expiry date

*Last three digits on the reverse of the card near the signature strip

*Issue number (if applicable)

*Card type: Visa Debit etc...

* Amount £___

* Date: ____ June 2013

 

What next they state the money I have already paid gone where inc in the balance.

 

cheers

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There must be some outrageous charges levied here, beginning to think a SAR may be needed.

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True will send SAR to MMF today, was thinking of sending to Mr Lender as well, however got feeling they will refuse SAR

 

Not a bad idea RO I know from experience MMF are rattled by SARs and CCA requests, if you make the requests the companies MUST Comply they cannot refuse.

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This is harassment beyond belief!!

 

Print this off and hand to him if he calls..

 

 

TO WHOM IT MAY CONCERN:

 

TAKE NOTE I DO NOT DISCUSS FINANCIAL MATTERS WITH ANYONE WHO CALLS AT MY DOOR.

 

YOU WILL NOW REMOVE YOURSELF FROM MY PROPERTY IMMEDIATELY AND YOU WILL NOT RETURN.

 

FAILURE TO COMPLY WILL RESULT IN THE POLICE BEING CALLED.

 

PLEASE BE AWARE THAT I HOLD EVIDENCE THAT MMF HAVE BEEN HARASSING ME CONSTANTLY AND THIS WILL BE PRODUCED TO POLICE OFFICERS WHEN THEY ATTEND.

 

I WILL MAKE A COMPLAINT OF HARASSMENT AGAINST YOU AND YOUR EMPLOYER.

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I think that the lba needs to be sent now and as soon as the deadline is up, legal action taken without delay. Dont give them room to breathe.

 

This has gone on long enough and is bordering on criminal activity. .

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I will send LBA letter in the morning via recorded mail, cheers

Keep all postal records for the LBA check delivery date.

DO NOT USE PO BOX NUMBERS!!!

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Idiots as if anyone would bother to phone them.

 

Reply to e-mail GET KNOTTED!!!

 

very politely put , When I was having problems with thrse bunch of retrobates, I sent no less than 6 letters denying them visitation, and they still turned up and photographed my old address, the agent then e mailed me with his harrassing threats and then despite me telling him that I never had a debt with them and prove it , he threatened to turn up at my new address and assess me leaving his mobile number, big mistake. called the nana (being polite) and told him that I would inform the police if he came to me I would have him arrested then E mailed the director, His response He was going to do me for harrasment for swearing at his agent. And was infact told by trading standards to stop contacting me and again started sendong me home visit e mails. In the end I informed police and they stopped.

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I'm very surprised that MMF are allowed to continue to spout their clearly delusional aspirations of authority complaints and as many as possible to the OFT/FCA needed bombard the regulators and the CSA.

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These guys are just crazy. They ignore anything and everything. I would get a complaint into the CSA as well as soon as possible. They lie and lie and then lie some more. They pretend they do not get emails. There are some email addresses about.

I know it's a worry but they are really out of order.

This may sound silly but what do you want out of this ? Revenge or peace.

If it is peace try to block their calls and refuse security.

I really do not know what to suggest to deal with them. Well I do know but we would all end up in prison.

I have a warhead aimed at their address

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I would prefer to hit this company head on respond lie with like, use LBAs threaten a s they do BUT with the stated resolve to carry this through to a conclusion that conclusion being the removal of MMFs CCL.

NOTHING will change if we are afraid to challenge head on!!

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I think its also time we started a database of the mobile numbers sending these texts like I did with CFO

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think its also time we started a database of the mobile numbers sending these texts like I did with CFO

 

dx

 

I agree, the high number of mobile and landline numbers that MMF are using needs to be listed for easy reference and as soon as possible!!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Theyre probably using virtual numbers dialled through a program such as skype. You can get plugins or third party programs that auto generate different numbers.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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if they are then that's against all guidelines they must comply with

 

they must use numbers that are registered and traceable not automated either.

 

brig will have the details

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if they are then that's against all guidelines they must comply with

 

they must use numbers that are registered and traceable not automated either.

 

brig will have the details

 

dx

 

100% agree, but as we've all seen, MMF have no concern whatsoever for law, regulation, or anything for that matter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The first 30 complaints have been lodged and acknowledged, and are in the process of being reformatted to go to the FCA.

Anyone who would like their problems included please let me know. the list grow hourly let alone daily!

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The use of auto diallers and 'virtual' numbers is imo deceptive and misleading business practice and clearly breaches OFT Guidance.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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